What city is ZIP code 95686?

ZIP code 95686 is in Terminous, CA (San Joaquin County).

What county is ZIP code 95686 in?

ZIP code 95686 is mostly in San Joaquin County, California.

How many people live in ZIP code 95686?

About 1,171 people live in the 95686 ZIP Code Tabulation Area, based on American Community Survey 5-year estimates.

Checked Oct 26, 2026

ZIP Code 95686

Terminous, CA, San Joaquin County

Population

1,171

Land area

32.4sq mi

People per sq mi

City

Terminous

ZIP 95686 and nearby ZIP codes

Full map

ZIP 95686 at a glance

ZIP 95686 (Terminous) is 86% less dense than California as a whole.
The median household income is $52,109, 47% below the California median of $99,122.
A typical owner-occupied home is valued at $448,900 (39% below California) and median rent is $884 a month.

Local data for ZIP 95686

Counts from official public data

Housing and community stats

ZIP 95686, American Community Survey 2020-2024

Full profile

Median household income

$52,109

Poverty rate

19.2%

Median home value

$448,900

Median rent

$884/mo

Homeownership

57.2%

Bachelor's or higher

15.3%

Median age

36.1

Average commute

29.6 min

Income, education and commute

Economy and federal money

Businesses, pandemic loans and political donations

Details

Business establishments

ZIP Business Patterns 2023

Employees

246

$18.2M annual payroll

PPP loans

$515K

10 loans

Campaign donations

$818

0% D, 100% R, 2026 cycle

PPP loans in this ZIP

Environment and hazard risk

ZIP 95686, from FEMA, NOAA and EPA

Full report

Natural hazard risk

Relatively High

Top: drought

Storm events since 1996

105

Countywide, mostly flood

Flood insurance policies

3,840

1.8% of homes, county

July high / Jan low

92° / 40°F

18.4 inches of rain a year

Hazards, floods and storm history Check a flood zone

Health statistics

Share of adults in ZIP 95686, CDC PLACES estimates

All 40 measures

Obesity

35.4%

U.S. 33.3% +2.1 pts

Diabetes

14.8%

U.S. 12.1% +2.7 pts

Smoking

15.9%

U.S. 12.8% +3.1 pts

Uninsured (18-64)

18.5%

U.S. 11.1% +7.4 pts

Frequently asked questions

What city is ZIP code 95686?: ZIP code 95686 is in Terminous, CA (San Joaquin County).
What county is ZIP code 95686 in?: ZIP code 95686 is mostly in San Joaquin County, California.
How many people live in ZIP code 95686?: About 1,171 people live in the 95686 ZIP Code Tabulation Area, based on American Community Survey 5-year estimates.

Source: U.S. Census Bureau (ZIP Code Tabulation Areas, American Community Survey) · Data as of 12/31/2023. ZIP Code Tabulation Areas closely match, but are not identical to, USPS ZIP code delivery areas.